ID Restoration Services

Commerce Bank together with Deluxe® ProventSM, a leader in identity theft restoration, offers two levels of identity theft restoration service to address fraudulent activity on your personal accounts1.

Family ID Restoration assists you and your family when someone uses financial or personal information without your knowledge and commits fraud, for example, by taking control of existing accounts or opening new accounts.

ID Restoration Plus offers this basic service, and additional, value-added features, including proactive credit and internet monitoring for you and one designated household member

Choose the service that best fits your needs and comfort level:

Family ID Restoration

ID Restoration Plus

Proactive Features -
provided continuously to you and one designated household1 member

EZShield Vault®: Provides you with access to an online password-protected account to store and organize your important documents for one year after an Identity Theft Event2

Ongoing education and advice: 24/7 access to up-to-date resources for prevention of fraud

Monthly Service Charge

$2.35

$7.95

If anyone in your household2 becomes a victim of an Identity Theft Event2 and files a police report, these powerful services will be there to help you reclaim your identity and reestablish your credit by assisting you to:

Notify the three national credit bureaus to place fraud alerts on your credit reports and specialists will review your credit reports to identify evidence of the Identity Theft Event

Contact banks, credit card companies and merchants to freeze or close any accounts compromised by or resulting from the Identity Theft Event and assist with the replacement of government-issued identification

Provide up to $25,000 in Identity Theft Expense3 reimbursement to help with the costs associated with restoring your identity

Both levels of identity theft restoration provide education tools and resources to assist you in preventing identity fraud and theft. Additionally, as an active ID Restoration Plus customer, EZShield Internet Monitoring and EZShield Credit Monitoring are available proactively and continuously to you and one designated household member1.

Enroll now for ID Restoration:

For either level of ID Restoration Services, you must first enroll in Family ID Restoration by simply doing one of the following:

Log in to Online Banking and select "Enroll in Family ID Restoration" under "Account Services" in the "Customer Service" section

To upgrade to ID Restoration Plus, after completing the initial enrollment (see above), wait 48 hours for processing, then click on the “Upgrade Now” arrow below to
complete your registration by entering the following information of the primary account holder:

First name

Last name

Last 4 digits of the Social Security number (SSN)

Zip code

Remember, your new ID Restoration Plus account will not be active for 48 hours after initial enrollment; however, immediately you will have all of the reactive coverage associated with our Family ID Restoration service. After this waiting period, it is important to complete this second step of the enrollment process and to designate the additional household1 member in order to be eligible for Plus coverage.

Access my ID Restoration Plus account:

Note: When viewing the registration page, the following browser types and versions are fully supported by EZ Shield:

Internet Explorer, versions 8 and higher

Chrome (current version)

Safari (current version)

Firefox (current version)

If you have another browser type, your viewing experience may not be optimal.

Disclosures:

To be eligible for Family ID Restoration or ID Restoration Plus, you must have a Commerce personal checking account, reside in the United States or its territories, and be a legal adult in your state of residence. The Service also applies to the spouse or domestic partner (any person living in a legally recognized domestic partnership with Customer in their state of residence) of the registered Customer, dependent children under the age of 21 who live with the Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.

Identity Theft Event means the use of Customer's name, address, Social Security number, bank or credit card account number, or other identifying information without Customer's knowledge to commit fraud or other crimes.

Identity Theft Expenses are (1) Legal expenses: reasonable and necessary attorney fees or court costs associated with defending any suit brought against you by merchants, financial institutions or other credit grantors, or their collection agencies, or the removal of any criminal or civil judgment wrongly entered against you as a result of identity theft; (2) Lost wages up to $500 per week, maximum 4 weeks: actual U.S wages or salary you lose as a direct result of time off work taken by you to report or address the effects of identity theft; or (3) Miscellaneous: loan applications fees, long distance telephone costs, mailing and postage costs, costs of having affidavits or other documents notarized as a result of identity theft and costs to purchase up to four credit reports from any of the three major credit bureaus (Experian, Equifax, or TransUnion). The credit reports may be purchased only after the identity theft has occurred and for the purpose of correcting inaccuracies that occur as a result of identity theft. Fees and costs from investigators are not covered. Other limitations may apply, please refer to the Terms and Conditions for details. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of America International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.